Legal protection insurance is not like car or house insurance, it is not as straightforward as you might think.

Will I be covered for all claims

  • There is no guarantee your claim will be covered, it has to be assessed by them first
  • Insurer has to be satisfied you have a reasonable chance of winning, else you don’t get cover
  • They can drop your case at any time if they feel your chances of winning changes
  • The insured person might be the intermediary, not you. This means they decide which lawyer to appoint

Things to watch out for

  • Who is insured you or the intermediary/supplier. What happens if the intermediary goes bust
  • Is there an up front charge or excess when you make the claim
  • Are you covered for everything including damages and other party’s legal costs
  • What happens if their advice is wrong and it has cost you
  • What happens if you’re not happy with the lawyer, can you switch to your own lawyer

Following the Process

  • You must notify the insurer before taking any action
  • You need to get their go ahead before you do anything
  • You must follow exactly the advice given by them, your cover can be dropped if you don’t

Primary Care Networks (PCNs)

Partnered with the NAPC, the largest PCN network in England

 

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If you are part of an NHS body or a Membership or Regulatory organisation, you may qualify to use our products as a Reference Standard.